Transforming loan applications for credit unions
WithClutch is a fintech company headquartered in Half Moon Bay, California, specializing in loan application and recapture portals tailored for credit unions. By leveraging intelligent user experiences and integrating third-party data sources, WithClutch helps financial institutions discover real-ti...
Employees enjoy competitive salaries, equity options, flexible PTO, and a remote-friendly work policy, promoting a healthy work-life balance....
WithClutch fosters a culture focused on innovation and user-centric design, encouraging employees to think creatively and prioritize customer needs in...
This role owns core FP&A processes, including forecasting, annual planning, SaaS metrics (ARR, NRR, GRR), unit economics, and P&L analysis by customer, product, and segment. You will build and scale financial models, partner with GTM and Product teams to ensure execution matches financial expectations, and modernize our reporting foundation in partnership with the Data team.
This role is ideal for someone who thrives in a high-growth SaaS environment, enjoys building structure from scratch, and can balance strategic insight with hands-on analytics.
You’ll be joining a small, high-impact Finance & Accounting team that sits at the center of company decision-making. We partner directly with the Founders and functional leaders across Sales, Implementation, Customer Success, Product, and Engineering to drive clarity, accountability, and performance as the business scales. The environment is collaborative, transparent, and hands-on!
What You’ll Do
Within 3 months, you will:
Stand up core reporting infrastructure: monthly business reviews, departmental budget templates, and KPI dashboards.
Take ownership of the close → forecast cycle and partner with Accounting to tighten timing and accuracy.
Within 6 months, you will:
Lead the company’s integrated quarterly reforecast, improving driver-based accuracy across teams.
Operationalize SaaS KPIs: churn/expansion bridges, cohort analyses, and margin reporting.
Within 9 months, you will:
Drive the full annual operating plan ****process end-to-end, including scenario planning and resource allocation.
Establish a scalable forecasting system or tooling.
Deliver actionable insights that materially improve performance.
What You’ll Bring
7+ years in FP&A / Strategic Finance, ideally in high-growth B2B SaaS or subscription businesses.
Proven ownership of short-term cash forecasting and burn management in fast-moving environments.
Experience building FP&A frameworks from scratch.
Strong understanding of SaaS business levers and metrics (ARR, NRR/GRR, churn, cohort economics, margin).
Demonstrated cross-functional partnering — able to pull clear inputs from messy org realities.
Ability to move comfortably between weeds and exec-level storytelling (“altitude switching”).
Advanced Excel/Sheets (and comfort working from raw exports); SQL/BI experience is a plus.
High judgment, bias to action, and ownership mindset.
Please note that this role may evolve as our business needs change, so we appreciate your flexibility and adaptability.
What’s In It For You?
Remote Flexibility: Enjoy the freedom of remote work from anywhere, balancing life and career seamlessly.
Unforgettable Off-Sites: Twice a year, bond with colleagues in exciting destinations, fostering teamwork and fresh ideas.
Paid Time Off: Enjoy flexible PTO days yearly for relaxation and rejuvenation.
Stock Options: Joining us means having a stake in our success, so you'll receive stock options as part of your compensation package.
Home Office Setup: Create your ideal workspace with a dedicated budget for home office essentials.
Work Trip Budget: Grow personally and professionally with a budget for work-related trips and co-working.
Health Coverage: Prioritize your well-being with comprehensive health and dental insurance plans.
About Us
Clutch is a revolutionary vertical SaaS company, proudly backed by Andreessen Horowitz (A16z), aimed at revolutionizing the way Credit Unions engage and change the lives of their members. As a champion of financial well-being, we address the urgent need for affordable lending solutions in an era where the average American grapples with over $155,000 in household debt. Unlike traditional financial institutions, Clutch develops software to turn Credit Unions into FinTech lenders and leverage their balance sheets to responsibly lend to over 130M Americans. Our mission extends beyond mere financial transactions; we strive to fundamentally enhance the way credit unions interact with their members. By integrating cutting-edge technologies and user-centric designs, we help credit unions provide seamless digital experiences that are on par with leading tech companies. This approach not only preserves but revitalizes the longstanding tradition of community and member-focused service inherent to credit unions.
Clutch is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.
Our organization participates in E-Verify. Click here to learn about E-Verify.
A Note About AI at Clutch
We love AI. We use it often and encourage our team to creatively and effectively leverage AI tools in their work. If you join Clutch, we hope you'll bring the same enthusiasm for exploring how AI can amplify impact, productivity, and innovation.
That said, during the interview process, we want to hear your thoughts. Please approach interviews without the use of AI tools—our goal is to get to know how you think, solve problems, and communicate. Once you're in the seat, bring on the prompts!
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